https://client-portal.oldmutual.co.ug/registration_account_type?agent_no=eyJpdiI6Ikh5YVhWelk4eWI1VnhCaHFmUmFWSXc9PSIsInZ

The insurance guy, Kampala (2026)

28/08/2026

Fridays Are For Violence!

Every Friday, we declare war on bad financial decisions!

This Week: Violence Against Focusing So Much on the Future That You Forget to Live Today!

Yes, we need to plan for the future.
Yes, we need to save and invest.
Yes, we need to prepare for retirement.

But here is the thing, your present matters too.

➡️Drive that nice car if you can afford it. 🚗
➡️Stay in that nice apartment if you can afford it. 🏡
➡️Take your children to good schools if you can afford it. 🎓
➡️Dress well, travel, eat well and enjoy experiences if your finances allow it.

There is nothing wrong with enjoying the fruits of your hard work while still preparing for tomorrow.

The mistake is not enjoying today but the mistake is sacrificing your entire present in the name of a future that isn't guaranteed.

Don't give up your 30s for your 40s.
Don't give up your 40s for your 50s.
And don't spend your entire life waiting for the day when you will finally start living.

Don't just build wealth. Build a life.

Save for tomorrow, invest for the future, plan for retirement but leave something in today's budget for today's happiness, experiences and peace of mind.

Because what is the point of retiring loaded if you spent your entire working life feeling broke?

Your future is important. But don't give up your today trying to secure your tomorrow. You need to balance the boat!

For your and needs, talk to

26/08/2026

RetireLoaded or RetireStressed?

Yesterday, we were talking about the magic of compounding, starting early, staying consistent, and allowing even small savings to grow over time.

A monthly saving of UGX 100,000 may not feel like much when you are young. But when you give your money time, consistency and the power of compounding, it can grow into a significant retirement fund.

We work tirelessly throughout our careers and during our most productive years. But eventually, there comes a time when our energy levels decline, yet the need for money doesn't.

That is when the question becomes, will you or ?

If you don't plan for that season early enough, retirement can become a financial burden rather than a reward for years of hard work.

The good news is that you can start preparing today through options such as , and .

You don't have to start big.Start early. Start small. Stay consistent. Let time do the heavy lifting.

Because retirement is not something you should start planning for when you are 55.

You plan for it while you are still young enough to enjoy the magic of compounding.

.

25/08/2026

Tuesday Is A Numbers Day!

What can UGX 100,000 a month do in 32 years if you are 23 years old?

Last week, I had a financial literacy session with one of the NGOs that had just recruited a group of young people. I was invited to speak to them about their financial well-being, and one number really got their attention.

I asked them, “What if you sacrificed UGX 100,000 every month for the next 32 years?”

At first, it sounded like a small amount but when i told them that when that 100k is invested/saved consistently in a or , and allowed to compound over time, that UGX 100,000 a month could potentially grow to over UGX 500m ie half a billion shs by age 55.

Think about that, you are 23 today, gotten into employment, you don't need to start with millions, you need to start early, stay consistent and give your money time to work.

The magic isn't just in the UGX 100,000.

The magic is in TIME + CONSISTENCY + COMPOUNDING.

The biggest mistake young people make is thinking, “I will start saving when I earn more.”

Start with what you have. Increase it as your income grows.

For your and needs, talk to .

21/08/2026

!

Every Friday, we declare war on bad financial decisions.

This Week: Violence Against Eating Badly!

What you eat doesn’t only affect your body but it can also affect how you think, feel, and make decisions.

A balanced diet supports your overall wellbeing, helps you stay energized and focused, and that can contribute to better decision-making including how you manage your financial wellness.

Now, let’s be honest… what are you eating?

I have a friend who absolutely loves chapati and rice. There are those who can’t resist their favourite junk food, and then there are those who walk into a restaurant and confidently order emele nyona! 😂

There is nothing wrong with enjoying your favourite foods, but just like your finances, balance is key.

Eat well. Stay healthy. Think clearly. Make better decisions.

Because you don't want to work hard to build wealth only to spend it fighting lifestyle-related problems later.

This Friday, let’s declare violence against bad eating habits!

For your insurance and investment needs, talk to

19/08/2026

1. Jemima kitante 1pm

or

Today, I passed by Parliament to check on some of my colleagues who are doing their part to offer financial advice to our dear Honourables.

I was happy to see that the UGX 300 million allocated for the cars was put to good use! 😂 I saw some serious machines in the parking lot.

But then I thought to myself: those machines need comprehensive insurance! 🚘🛡️

Beyond the cars, my visit got me thinking about something even more important, life after Parliament.

Being an MP comes with several benefits and incentives, including access to a SACCO, pension arrangements, medical insurance and other institutional benefits. In many ways, Parliament can be considered one of the better places to work when it comes to employee benefits.

But here is the big question, what happens when the parliamentary term comes to an end?

An MP's life after Parliament should not be left to chance.

If an MP receives good financial advice, develops disciplined financial habits and makes smart decisions with their income while in office, the transition into retirement or life outside Parliament can be much smoother.

On the other hand, good income does not automatically create financial security.

Poor financial decisions, lifestyle inflation, excessive spending and failing to invest beyond the benefits provided by the institution can leave someone financially stressed when the parliamentary chapter closes.

And this is where I believe additional financial solutions can play an important role.

Beyond what Parliament provides, one can consider solutions such as , 5 year investment policies, retirement savings and other long-term investments to build additional financial security.

Because the goal shouldn't simply be to serve Parliament and retire from Parliament.

The goal should be to leave Parliament financially prepared for the next chapter of life.

So, Honourable, when that final term comes to an end...

Are you going to or ?

For your and needs, talk to .

18/08/2026

Tuesday Is A Numbers Day!

Only 80,000 out of over 600,000 motor vehicles in Uganda have comprehensive insurance, that number by the way doesn't include boda bodas.

That means a huge number of vehicle owners are still driving around without comprehensive cover. But why?

Research tells us that, one commonly assumed reason is the cost of premiums.

Comprehensive motor insurance premiums can average around 4%–6% of the vehicle’s value, depending on factors such as the vehicle’s usage, risk profile and the benefits included in the policy.

But here’s the interesting part, what if your could help you access at a discount?

Old Mutual Uganda Investment Group has launched a service that gives customers access to at a discounted rate.

So, instead of looking at insurance and investment as two separate things, you can start building your investment while also getting value on your insurance needs.

All you need to do is,

👈 Open a Unit Trust Fund with UGX 100,000
👈 Start saving or investing consistently
👈 When you need comprehensive motor insurance, we g*t you

Your money shouldn't just sit there. Let it work for you while you protect what you've worked for.

Insurance protects your assets. Investment builds your future. Why not do both?

For your and needs, talk to .

16/08/2026

Sundays Are For Financial Inspiration!

“Every shilling has a job. Give some to today, some to tomorrow, and some to your future.”

It’s not always about today, you should also think about tomorrow and ultimately, your future.

Today, I had a conversation with one of my colleagues and was advising her to increase her savings in her provident fund.

Her response was, “Leave me, I eat my money now!” 😂

I told her, “Eat your money now, but don’t forget to save some for tomorrow otherwise, you might end up eating your future.”

And that got me thinking that there is absolutely nothing wrong with enjoying the money you work hard for. The problem comes when all your money is committed to today and nothing is left for tomorrow.

Every shilling you earn should have a purpose:

🍽️ Some for today — your needs and lifestyle.
🌱 Some for tomorrow — your short- and medium-term goals.
🏦 Some for the future — retirement, wealth creation and financial security.

So, where are you putting your money to take care of your today, tomorrow and future?

🧨Is it in a Unit Trust Fund?
🧨Is it a life policy?
🧨Is it bonds?
🧨Is it real estate?
🧨Is it equities?
🧨Is it a provident/retirement fund?
🧨 or your growing your business

The goal isn't to stop enjoying your money, the goal is to enjoy today without sacrificing tomorrow and to prepare for a future where your money can work for you.

Eat some of your money today. Save some for tomorrow. Invest some for your future.

For your and needs, talk to

14/08/2026

Fridays Are For Violence!

Every Friday, we declare war on bad financial decisions.

This Week: Violence Against Not Keeping in Shape!

Yesterday, a colleague told me, “Kamoga, you have lost some weight and you’re looking fresh!”

I was like, “Are you sure?” 😂 But deep down, I felt good because I genuinely don’t like being unfit or putting on unnecessary weight. It makes you uncomfortable, affects your confidence and, more importantly, can affect your health.

But here’s the financial question, how does not keeping in shape affect your wallet?

When we neglect our health, the consequences can eventually show up in our finances:

➡️ More medical expenses — Poor lifestyle choices can increase the risk of health problems and the costs that come with managing them.

➡️ Reduced productivity — When you’re constantly unwell or physically drained, your ability to work and earn can suffer.

➡️ Interrupted income — Serious health challenges can mean time away from work, especially for those who depend directly on their income.

➡️ Higher financial risk — You may find yourself dipping into savings or investments to deal with unexpected medical bills.

And remember, you can have the best financial plan in the world, but if you are not around or healthy enough to enjoy it, what is the point?

So this Friday, let’s declare VIOLENCE against neglecting our health!

🚶🏽‍♂️ Move your body.
🥗 Watch what you eat.
💧 Drink more water.
😴 Get enough rest.
🏀 Keep yourself in shape.

Because financial wellness isn't just about how much money you have. It is also about having the health to enjoy it.

Protect your health. Protect your income. Protect your financial future.

For your and needs, talk to

12/08/2026

!

Today is International Youth Day and I would like to talk about the youth when it comes to retirement planning despite the challenges of youth unemployment but there are those lucky ones that are in the money economy.

And while retirement may sound like something very far away for a young person, the best time to start planning for it is when it still feels like a lifetime away.

Your future self is being created by the financial decisions you make today.

When you get your first job, or get into income generating activities like agriculture, ICT, business etc the excitement is understandable because you've earned your first salary, commission, wage - new lifestyle, new responsibilities, new things to buy etc

But alongside enjoying your income, ask yourself:

👉 How much am I saving for my future?
👉 Am I building assets or just upgrading my lifestyle?
👉 Do I have a retirement plan beyond NSSF?
👉 If I stopped working today, how long could my savings sustain me?
👉 What kind of life do I want to live at 60 or 65?

As a youth planning to grow wealth, trying out alot of things dont forget to start early to plan for retirement because it gives you something extremely valuable ie Time.

A 25-year-old who consistently invests a small amount today may have a much easier retirement journey than someone who waits until 40 or 50 and tries to catch up.

There are retirement schemes that you can save as low as 2k, imagine what 2k, 10k, 50k, 100k etc would be in 30yrs with the element of compounding.

So, to the youth on this , don't wait until retirement is around the corner to start thinking about it.

Start young. Start small. Stay consistent. Let time do the heavy lifting.

Because one day, the young person you are today will become the older person you are planning for.

The one million dollar question is, Will you or ?

For your and needs, talk to

11/08/2026

Tuesday Is A Numbers Day!

I was going through the NSSF 40th Anniversary magazine, and some of the numbers genuinely left me mesmerised.

📊 1.9 million NSSF members.
But here is where it gets interesting that only 40% are actively saving, while 60% are dormant.

I won't delve too much into the reasons behind the dormancy but i am pretty sure there could be many factors at play.

But one thing is clear that these numbers don't paint a very comfortable picture of the retirement future of our people in suits and ties, the people in formal employment.

Then came another number that really made me pause and reflected

📊 42% of the 1.9 million members have a closing balance of less than UGX 1 million as at December 2025.

Was this a typo, or is it really the reality? 🤔

Because if you have spent years in formal employment and your retirement savings are still below UGX 1 million, we need to have a serious conversation about retirement planning.

So, what is driving the 1 million ugx below members, is it:

💼 Low wages and the absence of a meaningful minimum wage?

🏢 Organisations closing or restructuring?

📉 People losing jobs and moving into business where there is no mandatory savings?

💸 The rising cost of living eating into people's ability to save?

Or perhaps…

🧠 We simply haven't appreciated the value of saving for retirement early enough hence a mindset problem?

And then there is another interesting statistic:

👨 Over 65% of the savers are men, compared to women.
What does this tell us about financial inclusion and retirement preparedness among women?

And finally, the number that made me smile, envious or even heart broken. 😂

💰 The highest NSSF member closing balance is reportedly UGX 9.5 billion.

Yes, UGX 9.5 BILLION!

Now, I need to request an appointment with this individual. 😂

Not to ask for money but to ask:

“What did you do differently?”

Because somewhere between a closing balance of less than UGX 1 million and UGX 9.5 billion lies a story worth learning from.

However, the basics still stand ie Start early. Save consistently. Invest wisely. And most importantly, know your numbers.

Because one day, that salary will stop but will your money continue working for you?

For your and needs, talk to

The insurance guy

28/08/2026

26/08/2026

25/08/2026

21/08/2026

19/08/2026

18/08/2026

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